The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$8,473
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,737
−HK$267/mo
Today · 4.125%
HK$9,004
baseline
▲ 0.50% · 4.625%
HK$9,552
+HK$548/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,008/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,426
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,679
−HK$256/mo
Today · 4.125%
HK$9,935
baseline
▲ 0.50% · 4.625%
HK$10,459
+HK$524/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,870/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,168
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,484
−HK$321/mo
Today · 4.125%
HK$10,805
baseline
▲ 0.50% · 4.625%
HK$11,463
+HK$658/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$21,610/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,311
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,615
−HK$307/mo
Today · 4.125%
HK$11,922
baseline
▲ 0.50% · 4.625%
HK$12,551
+HK$629/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$23,844/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,862
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,231
−HK$375/mo
Today · 4.125%
HK$12,606
baseline
▲ 0.50% · 4.625%
HK$13,373
+HK$767/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$25,212/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,197
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,551
−HK$359/mo
Today · 4.125%
HK$13,910
baseline
▲ 0.50% · 4.625%
HK$14,643
+HK$733/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$27,820/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,251
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,726
−HK$482/mo
Today · 4.125%
HK$16,208
baseline
▲ 0.50% · 4.625%
HK$17,194
+HK$986/mo
Deposit HK$372K · loan HK$3.34M · min. income ≈ HK$32,416/mo (50% DSR)
Upfront cash ≈ HK$372K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,967
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,422
−HK$462/mo
Today · 4.125%
HK$17,884
baseline
▲ 0.50% · 4.625%
HK$18,826
+HK$942/mo
Deposit HK$372K · loan HK$3.34M · min. income ≈ HK$35,768/mo (50% DSR)
Upfront cash ≈ HK$372K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).